Graph-Theoretic Analysis for Consumer Credit Risk Assessment
Applying advanced graph neural networks to enhance credit risk prediction in China's consumer lending market
Research Team
Prof. Joerg Osterrieder
Principal Investigator (CH)
University of Twente
Prof. Jeffrey Chu
Principal Investigator (CN)
Renmin University
Prof. Stephen Chan
Co-Investigator
American University
Prof. Yuanyuan Zhang
Co-Investigator
AUS / Manchester
Yiting Liu
PhD Researcher
UT & BFH
Lennart Baals
PhD Researcher
UT & BFHGraph Neural Networks
Advanced GNN models for credit risk prediction
Swiss-Asian Collaboration
BFH Switzerland & Renmin University China
Consumer Lending
Focus on P2P and BNPL markets in China
Latest News
CIEP 2025 Shanghai - Presentation
Prof. Osterrieder presented on Digital Finance, LLM Narratives, and High-Frequency Trading at the 23rd China International Talent Exchange Conference.
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Yiting Liu Receives 2024 Chinese Government Award
PhD researcher Yiting Liu received the prestigious Chinese Government Award for Outstanding Self-Financed Students Abroad (Category A).
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Project Concludes with 8+ Publications
Swiss-Chinese collaboration completed its 21-month program with innovations in graph-based credit risk assessment.
Read press releaseProject Timeline
Project Activities
CIEP 2025 Presentation
Digital Finance presentation at Shanghai conference
Oct 2025 - Shanghai
World Expo Conference Center
Main venue for CIEP 2025
Oct 2025 - Shanghai
Economic Resilience Roundtable
International scholars panel discussion
Oct 2025 - Shanghai
Chinese Government Award Ceremony
Award recipients with H.E. Ambassador Qian Minjian
Dec 2024 - Bern
Outstanding Student Award
2024 Chinese Government Award for Outstanding Self-Financed Students Abroad
Dec 2024
EcoSta 2025 Invited Session
Organized session at 8th Int. Conference on Econometrics and Statistics
Aug 2025 - Tokyo
ICMS 2025 Conference
Jeffrey Chu presenting at American University of Sharjah
Feb 2025 - Dubai
Blockchain Workshop
Workshop on Blockchain and DeFi at HKUST Guangzhou
Nov 2024 - Guangzhou
Workshop Session
Discussion on blockchain applications in finance
Nov 2024 - Guangzhou
International Week
Lectures on graph modeling at Shenzhen Technology University
Sep 2024 - Shenzhen
Beijing Visit
Research collaboration at Renmin University
Sep 2024 - Beijing
CIEP 2025 Conference
China International Talent Exchange Conference
Oct 2025 - Shanghai
Young Scholars Forum
Exchange with international researchers
Oct 2025 - Shanghai
Networking Session
Academic networking at CIEP 2025
Oct 2025 - Shanghai
Panel Discussion
Digital finance panel at CIEP
Oct 2025 - Shanghai
Editors Meeting
Meeting with journal editors
Oct 2025 - Shanghai
Conference Venue
World Expo Conference Center
Oct 2025 - Shanghai
ICMS 2025 Dubai
International Conference on Mathematics and Statistics
Feb 2025 - Dubai
AUS Conference
Special session at American University of Sharjah
Feb 2025 - Dubai
Award Ceremony Speech
Yiting Liu at Chinese Embassy Switzerland
Dec 2024 - Bern
PhD Qualifier
Yiting Liu PhD qualifying presentation
2024Recent Publications
Credit Risk Prediction via Graph Neural Networks with Homophily-Guided Graph Construction
Journal of Management Information Systems (JMIS) - Under Review
GNN Credit RiskWhy are global P2P lending platforms exiting peer-to-peer models?
Comparative analysis of risks and regulations
P2P LendingMultilayer Topology-Aware Graph Contrastive Learning for Fraud Detection
Ethereum Transaction Network Analysis
Fraud Detection